Call reports 2001
CITIZENS BANK, THE — 2001
What CITIZENS BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 323,093,000 | 321,994,000 | 329,022,000 | 345,560,000 |
| Total loans | 204,376,000 | 206,773,000 | 211,092,000 | 217,681,000 |
| Allowance for loan losses | 2,939,000 | 3,049,000 | 3,034,000 | 3,122,000 |
| Securities available for sale | 90,012,000 | 91,380,000 | 91,471,000 | 100,908,000 |
| Securities held to maturity | 520,000 | 470,000 | 210,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,701,000 | 275,952,000 | 277,097,000 | 280,729,000 |
| Interest-bearing deposits | 242,203,000 | 247,528,000 | 247,379,000 | 250,080,000 |
| Noninterest-bearing deposits | 28,498,000 | 28,424,000 | 29,718,000 | 30,649,000 |
| Equity capital | 22,071,000 | 23,000,000 | 24,735,000 | 22,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 5,704,000 | 11,475,000 | 17,299,000 | 23,036,000 |
| Interest expense | 3,369,000 | 6,628,000 | 9,704,000 | 12,546,000 |
| Net interest income | 2,335,000 | 4,847,000 | 7,595,000 | 10,490,000 |
| Noninterest income | 598,000 | 1,205,000 | 1,785,000 | 2,620,000 |
| Noninterest expense | 1,760,000 | 3,570,000 | 5,478,000 | 7,601,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,024,000 | 2,181,000 | 3,490,000 | 4,947,000 |
| Income tax | 400,000 | 809,000 | 1,079,000 | 1,542,000 |
| Net income | 624,000 | 1,372,000 | 2,411,000 | 3,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,031,000 | 21,311,000 | 22,428,000 | 21,054,000 |
| Total capital | 23,574,000 | 23,870,000 | 25,009,000 | 23,724,000 |
| Risk-weighted assets | 203,065,000 | 204,262,000 | 206,029,000 | 213,176,000 |
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